Thread: Insurance - when to claim for damages....???

pics will help. Insurance may not cover it if it is an age problem, , is the cost of repairs more than the excess?
to me if it is only rotted fascia, i personally would not put in a claim.

Insurance won't cover it. Insurance is usually for storm damage, flood , break and enter, theft.
It does not cover normal wear and tear or lack of maintenance.
Get a minimum of 3 quotations, don't take the cheapest, make sure they are licenced to do the work, have public liability insurance and get a signed written quotation and you BOTH sign the acceptance and a small works contract with the EXACT scope of works and materials involved and an agreed hourly labour rate if additional work is required that is not reasonably foreseen or obvious at the time of quotation. Also make sure that the time for payment upon completion is stated, usually either 7 or 14 days from issuing final invoice.

The above is the normal procedure for the nature of work you describe and is for your protection as well as the protection of the trades.

This is not a claimable event.

Insurance will only cover a specific event or the immediate consequences of an event.

WRT to quality, if it were an insurance job, you would normally call the company and they would get you to arrange 3 quotes. They would authorise the work and once done an assessor would visit and sign off. Sometimes an assessor will come after your initial call to take photos.

You could try to claim the day after the next storm and try to sneak it past, but this is obviously dodgy. Builders would see its obviously wear and tear and may report it as such.

Your best course of action is to repair it. What you have described sounds pretty basic if you have the time, tools and inclination.

Might I add, good chippies are aware of the dry rot problems and can modify fascias and other exposed timber work to reduce future issue.